Medical Insurance and Health Care

Each insurer offers its basic insurance, which covers a range of services and puts a price on that insurance. As insurance costs vary by insurer, according to the city or county in which you live. For example, a basic insurance from any insurance is more expensive in Geneva in Lausanne, but give you the same benefits. Each basic insurance is divided into levels according to what it covers. The price ranges from 500 to 2500 Swiss francs. The usefulness of these pillars is the redemption: when a person has to go to the doctor, physiotherapist or dentist must pay the invoice amount, and year-end accounts are arranged (costs of consultations, hospitalizations, drugs and medicines).

If the amount paid exceeds the amount of your basic level of insurance, the insurance money is returned. So each person must pay a monthly or annual amount to the insurer, and then your queries to the amount of insurance. The trick also is that the higher your amount, the less you pay per month. So if you’re a person who has to go much to the doctor, you want to take insurance with a low amount to reimburse you the maximum possible. And if you do not normally go to the doctor, you only go well if you have to be hospitalized, since it is very expensive here. For this reason and if I remember correctly, each person has the right to choose a doctor (physician would header) and this could send it (depending on the urgency) to specialist (such as in Spain).

All this implies that insurers look very closely the prices of their insurance, and each then compares (no well-known Internet sites that help you to it as comparis.ch) prices and services to decide each year if it continues with the same insurer or change to another competition. Fortunately I’m never wrong, but my girlfriend usually has back problems and have to go to therapist several times a year and let ‘peak’, but as she has a low amount, pay a little more per month than I, but he returned much money, so he goes ‘profitable’.